⭐ Merited by n0nce (1)
Besides that, Lightning cannot cover a billion users alone. The simple answer is that if there's demand for something, it will be supplied. See Lightning. Before 2017, people paid nickles in fees, but an abrupt rise in median fee incentivized some hobbyists to take it one step further. Currently, fees are also nickles. Precisely, and at the time speaking, it costs less than 5 cents to have your transaction confirmed with low priority.
Lightning is a bit like hard cash, no government lets its private citizens hold s total of billions of dollars in hard cash any more
Settlement pools are more like VISA except that it's a) transparent & audible, and b) scalable - as long as the average disk size keeps up with the total size of each epheremal blockchain.
Considering that some people are estimating blockchain size to be at 450GB (!) - I remember it was like 380GB last year -, settlement pools should be able to handle block sizes that large and beyond. Because being ephemeral, they are deleted when a block is mined, and even more importantly and because of this, the architecture pushes the maximum blocksize to infinity (or your free HDD space, whichever's smaller
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